get a new jersey homeowners insurance quote

new jersey homeowners insurance

Owning a home in the Garden State is second to none. Whether you hail from North or South Jersey (or even the ever-elusive Central Jersey) — there are plenty of picturesque parks, farm-fresh produce, and interesting architecture for all residents to enjoy.

And to help you protect your home, belongings, and personal liability, Esurance offers reliable, affordable homeowners insurance in New Jersey. Be sure to get a quick, free quote online to see how much cash you could start saving in minutes.

"Best of Service"

"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."

— Linda K.

"Great coverage!"

"Beat all other pricing while not making me sacrifice my personalized coverage."

new jersey homeowners insurance discounts

Whether it's a sub vs. a hoagie, a Taylor Ham vs. a pork roll, or the New York Giants vs. the Philadelphia Eagles — there's one thing New Jersey residents can agree on: there are more important things to spend your hard-earned cash on than overpriced homeowners insurance. That's why Esurance offers a bunch of home insurance discounts to help keep some extra money in your wallet.

Hail Resistant Roof discount

If your home's roof is outfitted with hail-resistant materials, you could stand to save some cash on your homeowners policy (not to mention all the money you could save in the long run by extending the life of your roof).

DIY Home Inspection discount*

Once you've purchased an Esurance homeowners insurance policy, you can save $50 simply by downloading our easy-to-use mobile app to complete an easy home inspection within 20 days of your policy's start date.

Some additional home discounts in the Garden State include:

New Home discount

Claim-Free discount

Welcome Home discount

Home Safety Features discount

Smoke-Free discount

Storm Shutter discount

Loyal Customer discount

Multi-Policy discount**

Future Effective Date discount

Preferred Buyer discount

Discounts are subject to availability. If you're an Esurance policyholder in New Jersey and have questions about ways you could save on your homeowners insurance, give us a ring at 1-800-ESURANCE (1-800-378-7262).

standard home insurance coverages in new jersey

Whether you own a loft in Jersey City or a Victorian home in Hoboken, these standard homeowners insurance coverages from Esurance are designed to financially protect your place, belongings, and liability from a whole host of hazards and mishaps.

Additional living expense coverage

If a fire, windstorm, or other covered incident renders your home temporarily unlivable, additional living expense coverage can help pay for hotel stays and food while your house is being fixed up. How's that for peace of mind?

Dwelling protection

The foundation of any homeowners policy, dwelling protection helps pay to repair or replace your home if it's damaged or destroyed by a covered incident.

And the protection doesn't stop there — check out these other coverages that come standard on all Esurance homeowners insurance policies:

additional NJ homeowners coverages

To help you round out your New Jersey home policy protections, Esurance offers a bunch of optional homeowners coverages too.

Identity theft expense coverage

For just $3 a month (or $4 for 2 people), you can get added security when it comes to identity theft. If you ever fall victim, identity theft expense coverage can offer services specifically dedicated to restoring your name and credit.

You'll get access to monthly credit file monitoring, your annual credit report and score, and help from an ID theft advisor. Esurance provides up to $10,000 worth of coverage.

These other optional coverages can provide added financial protection and peace of mind:

new jersey stats and facts

Homes in the Garden State make up myriad unique architectural styles, from Greek Revival to Georgian, Queen Anne to Italianate, and art deco to the most modern and cutting-edge. But the architecture isn't the only unique trait of your state — check out these stats and facts that could be of interest to New Jersey homeowners.

New Jersey's varying climates

Even though New Jersey is one of the smallest states in the U.S., it packs a punch when it comes to climate, with 5 distinct regions: Northern, Central, Pine Barrens, Southwest, and Coastal. That means weather conditions can vary widely across the state, with average annual snowfall in the Northern zone between 40 and 50 inches compared to just 10 to 15 inches in the extreme south. Rainfall, average seasonal temperatures, thunderstorm frequency, and number of freeze days can vary quite a bit depending on region too.

If a windstorm, frozen pipes, or the weight of ice, snow, or sleet cause damage to your place, homeowners insurance can step in to help pay for property damage repairs and replace your personal belongings (up to the coverage limits you choose). And for warmer, drier areas of the state, most home policies will help cover additional living expenses if your air conditioner breaks and high temps make your home temporarily unlivable.

Keeping the Garden State smoke-free

New Jersey ranked number 5 in the country for states with the fewest smokers in 2013, with 16.9 percent of the population. For comparison, Utah ranked number one with just over 12 percent. Not only does staying smoke-free help keep you (and your state's air) healthy, but it could also save you some cash on homeowners insurance since you're reducing the likelihood of a house fire. With Esurance, you qualify for our Smoke-Free discount automatically as long as you and everyone in your household refrain from smoking.

claims info

*DIY Home Inspection Discount is not a discount in all states and savings may vary in certain states. Homeowners insurance not available in all states. Requires compatible smartphone.

**Multi-policy discounts are not available in all states.

Homeowners insurance policies underwritten by Esurance are available only in certain states. Coverage and discount availability may vary by state and/or individual risk situation.

Homeowners insurance quotes, in states where Esurance homeowners insurance is not available, are provided by Answer Financial, Inc or Security First Insurance Company for FL residents. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies sold by Answer Financial or Security First Insurance Company.

This page provides a summary of typical coverages and is not meant to describe actual coverage under any individual homeowners insurance policy. Coverage for certain categories of property, like jewelry and electronics, may require that such items be specifically scheduled and subject to additional premium. Coverages, discounts, and billing options are subject to state availability, individual qualification, and/or the insuring company's underwriting guidelines. Terms, conditions, limits, and exclusions will apply. Rates are subject to change.